民间借贷行为规制的行刑衔接探究
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引用本文:游 成 婧.民间借贷行为规制的行刑衔接探究[J].财经理论与实践,2021,(1):148-154
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作者单位
游 成 婧 (西南财经大学 法学院四川 成都 611130) 
中文摘要:非法吸收公众存款罪和民间借贷的区分不应仅停留于间接融资和直接融资之分。 “存款”和“借款”不仅在融资方式上有所不同,而且在存款保险制度、民诉时效、债权实现的方式以及证券构成要件上都有着相当大的区别。中国现行《证券法》对证券的定义过于狭窄,与不断变化的集资行为不相适应。因此,有必要扩大证券的法律定义,罗列不同种类的证券,以行政法规范集资行为。在扩大证券种类的基础上,相应地将《刑法》第一百七十九条擅自发行股票、公司、企业债券罪修改为擅自发行证券罪,以此规制具有刑事违法性的集资行为,做到行政法调整与刑法规制的有效衔接,平衡局部经济效率与整体经济安全,避免过度牺牲单方价值。
中文关键词:民间借贷  非法吸收公众存款罪  证券法
 
Research on the Non-Criminal Behavior of Private Lending——From the Perspective of Returning to Securities Law
Abstract:"Deposit" in the crime of illegally pooling public deposit and "loan" in private lending reflect the debtor-creditor relationships between the depositor and the bank, between the lender and borrower. It is the similarity of debtor-creditor relationship leads to the confusion on how to distinguish "deposit" from "loan". Although both "deposit" and "loan" involve the debtor-creditor relationship, they are quite different in deposit insurance, prescription period and the way of realizing right. Substantially, deposit and loan are both securities. They are in parallel with each other and with different elements. Even though they have some elements in common, they cannot be regarded as the same. Raising funds should be regulated by the Securities Law first, and only the illegally raising funds that violates the Securities Law and Criminal Law can be punished.
keywords:private lending  illegally pooling public deposits  Securities Law
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